Photo: Goldfishbutt · Public domainMore hazard damage per building is expected in Millburn Township than in 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Millburn Township gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns, #284 of 468 in New Jersey. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 303 claims here since 1978.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Millburn Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Millburn Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Millburn Township’s grade
River and rain flooding is 89% of the building damage FEMA expects in Millburn Township, and Millburn Township’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts.
C+ #284 of 468 in New Jersey; higher expected damage per building than 64% of U.S. towns (21,298).
Millburn Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Millburn Township has more expected damage per building than 61% of New Jersey towns.
In dollars, FEMA expects about $10.3M a year in losses across Millburn Township: $9.1M to buildings, the rest to people and crops.
Does Millburn Township flood? Yes: 303 flood claims since 1978
Every paid claim on a federal flood insurance policy in Millburn Township, from FEMA’s records: 40.7 per 1,000 homes, more than 91% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ida77 claims · $7.0M
- Hurricane Irene74 claims · $3.8M
- Hurricane Floyd51 claims · $1.8M
Millburn Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Essex County.11 federal disasters brought FEMA money to Millburn Township
Disasters that paid out in Millburn Township itself (aid to households or repair grants to Millburn Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida283 households applied for aid$1.6M aid approved$909K to Millburn Township for repairs77 flood claims paid for it, $7.0M
- 2020Tropical Storm Isaias$281K to Millburn Township for repairs
- 2018Severe Winter Storm and Snowstorm$443K to Millburn Township for repairs1 flood claim paid that year
- 2016Severe Winter Storm and Snowstorm$104K to Millburn Township for repairs
- 2012Hurricane Sandy108 households applied for aid$7K aid approved$1.2M to Millburn Township for repairs
- 2011Severe Storm$643K to Millburn Township for repairs
Show all 11
- 2011Hurricane Irene245 households applied for aid$855K aid approved$437K to Millburn Township for repairs74 flood claims paid for it, $3.8M
- 2010Severe Winter Storm and Snowstorm$47K to Millburn Township for repairs
- 2010Severe Storms and Flooding1 households applied for aid$189 aid approved$49K to Millburn Township for repairs
- 2007Severe Storms and Inland and Coastal Flooding11 households applied for aid$10K aid approved$33K to Millburn Township for repairs9 flood claims paid that year
- 1999Hurricane Floyd Major Disaster Declarations$618K to Millburn Township for repairs51 flood claims paid for it, $1.8M
Essex County has had 24 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Millburn Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Millburn Township archive →Millburn Township and its neighbors
Millburn Township is 7th of the 9 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Florham Park | B+less damage than 74% | river and rain flooding | 4 |
| Maplewood Township | B+less damage than 68% | river and rain flooding | 86 |
| Union Township | B+less damage than 67% | river and rain flooding | 361 |
| Livingston Township | B+less damage than 66% | river and rain flooding | 189 |
| West Orange Township | Bless damage than 60% | river and rain flooding | 185 |
| Summit | B−less damage than 53% | river and rain flooding | 61 |
| Millburn Township | C+more damage than 64% | river and rain flooding | 303 |
| Springfield Township | Cmore damage than 73% | river and rain flooding | 337 |
| Chatham | C−more damage than 80% | river and rain flooding | 11 |
| Short Hills | — | a Census area inside a town; graded with the town | |
| Vauxhall | — | a Census area inside a town; graded with the town | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Millburn Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Millburn Township
Is Millburn Township at risk for natural disasters?
On FEMA’s National Risk Index, Millburn Township has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk, #284 of 468 in New Jersey. Most of the expected damage is river and rain flooding (89%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Millburn Township flood?
Flood insurance has paid 303 claims in Millburn Township since 1978, $13.9M in all, or 40.7 per 1,000 homes, more than 91% of U.S. towns with a flood insurance record. 39 properties have flooded more than once. The most claims came from Hurricane Ida (77).
Is Millburn Township in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Essex County, 50% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.
How much is flood insurance in Millburn Township?
FEMA’s Community Rating System list shows no discount for Millburn Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Millburn Township?
By FEMA money that reached Millburn Township, Remnants of Hurricane Ida (2021): 283 households applied for aid, $1.6M approved, and $909K to Millburn Township for repairs. By flood claims, Hurricane Ida: 77 paid, $7.0M.
Is Millburn Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Millburn Township’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Millburn Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Millburn Township’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.